Business processing method, device, computer equipment and storage medium

Abstract

The present application relates to a business processing method, apparatus, computer equipment, storage medium and computer program product. The method comprises: receiving a business processing request, the business processing request carrying user information and a first business product identifier; obtaining a user profile, historical business behavior information and current business status information corresponding to the user information, and product diagnostic information corresponding to the first business product identifier; determining whether the business processing risk exceeds a risk range based on the user profile, the current business status information, the historical business behavior information and the product diagnostic information; if exceeded, determining a second business product identifier based on business product browsing information screening; and outputting option information indicating that the business processing request will not be executed and that the business product will be converted from the business product corresponding to the first business product identifier to the business product corresponding to the second business product identifier. The use of this method can improve business processing efficiency.

Description

Technical Field

[0001] The present application relates to the technical field of big data analysis, and in particular to a business processing method, apparatus, computer equipment, storage medium, and computer program product. Background Art

[0002] With the development of big data analysis technology, more and more users are conducting business on computer platforms. For example, users can complete transactions on fund trading platforms.

[0003] When users make selling decisions, current fund trading platforms develop user retention strategies to extend their holding periods, thereby maintaining platform trading volume. These strategies are unable to provide substantive advice on users' selling decisions, resulting in low business processing efficiency on the fund trading platforms. Summary of the Invention

[0004] Based on this, it is necessary to provide a business processing method, apparatus, computer equipment, computer-readable storage medium and computer program product that can improve business processing efficiency in response to the above technical problems.

[0005] In a first aspect, the present application provides a service processing method, the method comprising:

[0006] receiving a service processing request, the service processing request carrying user information and a first service product identifier;

[0007] Obtaining a user profile, historical business behavior information, and current business status information corresponding to the user information, and product diagnostic information corresponding to the first business product identifier;

[0008] Determining whether the business processing risk exceeds a risk range based on the user profile, the current business status information, the historical business behavior information, and the product diagnostic information;

[0009] If exceeded, the second business product identifier is determined based on the business product browsing information screening;

[0010] Outputting option information of not executing the service processing request and converting the service product from the service product corresponding to the first service product identifier to the service product corresponding to the second service product identifier.

[0011] In one embodiment, determining whether the business processing risk exceeds a risk range based on the user profile, the current business status information, the historical business behavior information, and the product diagnostic information includes:

[0012] Determining, based on the user profile and the current business status information, whether the business risk level of the business processing request matches the user risk level of the user;

[0013] If there is a match, the purpose of the current business request is determined based on the user profile and the historical business behavior information, and the request type of the business processing request, the predetermined type of product information in the product diagnostic information and the preset product transaction conditions are matched;

[0014] If there is a match, it is determined whether the business processing risk exceeds the risk range based on the product diagnostic information, the user portrait, and the historical business behavior information.

[0015] In one embodiment, the user profile includes: user type, user preferences, user performance, and user investment product characteristics; the current business status information includes: user holding income information;

[0016] The determining, based on the user profile and the current business status information, whether the business risk level of the business processing request matches the user risk level of the user includes:

[0017] Determining user subjective information and product indicator information based on the user type, user preferences, user performance, user investment product characteristics, and the holding return information, wherein the product indicator information includes the correlation between profitability and excess return, the correlation between risk resistance and tracking error, volatility, and the correlation between investment cost performance and Sharpe ratio and information ratio;

[0018] Based on the user subjective information and the product indicator information, it is determined whether the service risk level of the service processing request matches the user risk level of the user.

[0019] In one embodiment, it further includes:

[0020] If the business risk level of the business processing request does not match the user risk level of the user, a prompt message indicating that the risk levels do not match is output.

[0021] In one embodiment, the user profile includes: user type, user preferences, user performance, and user investment product characteristics; the historical business behavior information includes: user historical income information, user historical action information, and user historical feedback information;

[0022] The determining the purpose of the current business request based on the user profile and the historical business behavior information includes:

[0023] Analyze the relationship between the user type, user preferences, user performance, user investment product characteristics, user historical income information, user historical action information and user historical feedback information to determine the purpose of the current business request.

[0024] In one embodiment, it further includes:

[0025] If the request type of the business processing request, the predetermined type of product information in the product diagnosis information and the preset product transaction conditions do not match, a prompt message is output to continue holding, increase positions or invest funds to purchase other products.

[0026] In one embodiment, it further includes:

[0027] If the business processing risk does not exceed the risk range, a prompt message is output to suggest the user to sell.

[0028] In a second aspect, the present application further provides a service processing device, the device comprising:

[0029] A service request receiving module, configured to receive a service processing request, wherein the service processing request carries user information and a first service product identifier;

[0030] An information acquisition module, configured to acquire a user profile, historical business behavior information, and current business status information corresponding to the user information, and product diagnostic information corresponding to the first business product identifier;

[0031] a risk analysis module, configured to determine whether the business processing risk exceeds a risk range based on the user profile, the current business status information, the historical business behavior information, and the product diagnostic information;

[0032] A product identification determination module is used to determine a second business product identification based on the business product browsing information if the number exceeds the limit;

[0033] The prompt module is configured to output option information of not executing the service processing request and converting the service product corresponding to the first service product identifier into the service product corresponding to the second service product identifier.

[0034] In one embodiment, the risk analysis module is used to determine whether the business risk level of the business processing request matches the user risk level of the user based on the user portrait and the current business status information; if they match, determine the purpose of the current business request based on the user portrait and the historical business behavior information, and match the request type of the business processing request, the predetermined type product information in the product diagnostic information and the preset product transaction conditions; if they match, determine whether the business processing risk exceeds the risk range based on the product diagnostic information, the user portrait, and the historical business behavior information.

[0035] In one embodiment, the risk analysis module is used to determine user subjective information and product indicator information based on the user type, user preferences, user performance, user investment product characteristics and the holding return information. The product indicator information includes the correlation between profitability and excess return, the correlation between risk resistance and tracking error, volatility, and the correlation between investment cost-effectiveness and Sharpe ratio, information ratio; based on the user subjective information and the product indicator information, determine whether the business risk level of the business processing request matches the user risk level of the user.

[0036] In one embodiment, the risk analysis module includes: a risk prompt module;

[0037] The risk prompt module is configured to output a risk level mismatch prompt message if the business risk level of the business processing request does not match the user risk level of the user.

[0038] In one embodiment, the risk analysis module is used to analyze the relationship between the user type, user preferences, user performance, user investment product characteristics, user historical income information, user historical action information and user historical feedback information to determine the purpose of the current business request.

[0039] In one embodiment, the risk analysis module is used to output a prompt message to continue holding, increase positions or invest funds to purchase other products if the request type of the business processing request and the predetermined type product information in the product diagnostic information do not match the preset product trading conditions.

[0040] In one embodiment, the prompt module is used to output a prompt message suggesting the user to sell if the business processing risk does not exceed the risk range.

[0041] In a third aspect, the present application further provides a computer device comprising a memory and a processor, wherein the memory stores a computer program, and the processor implements the steps of the above-mentioned business processing method when executing the computer program.

[0042] In a fourth aspect, the present application also provides a computer-readable storage medium on which a computer program is stored, and when the computer program is executed by a processor, the steps of the above-mentioned business processing method are implemented.

[0043] In a fifth aspect, the present application also provides a computer program product, including a computer program, which implements the steps of the above-mentioned business processing method when executed by a processor.

[0044] The above-mentioned business processing method, apparatus, computer equipment, storage medium and computer program product, when receiving a business processing request, obtains the user portrait, historical business behavior information and current business status information corresponding to the user information, as well as the product diagnostic information corresponding to the first business product identifier, based on the user information carried in the business request. Therefore, the business processing risk can be analyzed through the user portrait, historical business behavior information, current business status information and product diagnostic information, and when the business processing risk exceeds the risk range, the user is provided with option information. When using this business processing method, when receiving a business processing request, the user portrait, historical business behavior information and current business status information corresponding to the user information, as well as the product diagnostic information corresponding to the first business product identifier, can be obtained based on the user information carried in the business request and the first business product identifier. Therefore, the business processing risk can be accurately predicted, and when it is determined that it exceeds the risk range, the user is provided with option information. This can provide substantial help to the user, effectively reduce the business processing risk, and thus improve the business processing efficiency through the above-mentioned method. BRIEF DESCRIPTION OF THE DRAWINGS

[0045] Figure 1 An application environment diagram of a business processing method in one embodiment;

[0046] Figure 2 A flowchart of a business processing method in one embodiment;

[0047] Figure 3 is a flowchart of a business processing method in another embodiment;

[0048] Figure 4 is a structural block diagram of a service processing device in one embodiment;

[0049] Figure 5 is a diagram of the internal structure of a computer device in one embodiment;

[0050] Figure 6 FIG. 1 is a diagram showing the internal structure of a computer device in one embodiment. DETAILED DESCRIPTION

[0051] In order to make the purpose, technical solutions and advantages of this application more clear, the following further describes this application in detail with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are only used to explain this application and are not intended to limit this application.

[0052] The service processing method provided in the embodiment of the present application can be applied to Figure 1 In the application environment shown, terminal 102 communicates with server 104 via a network. A data storage system can store data that server 104 needs to process. The data storage system can be integrated on server 104, or placed on a cloud or other network server. A user can conduct business through terminal 102. For example, a fund trading platform can be running on terminal 102, which can be used to make a selling decision through the fund trading platform. When the user makes a selling decision, terminal 102 outputs a business processing request, and server 104 receives the business processing request. The business processing request carries user information and a first business product identifier; obtains a user profile, historical business behavior information, and current business status information corresponding to the user information, as well as product diagnostic information corresponding to the first business product identifier; determines whether the business processing risk exceeds the risk range based on the user profile, the current business status information, the historical business behavior information, and the product diagnostic information; if so, determines a second business product identifier based on the business product browsing information; and outputs option information indicating that the business processing request will not be executed and that the business product corresponding to the first business product identifier will be converted to the business product corresponding to the second business product identifier. Terminal 102 may include, but is not limited to, various personal computers, laptops, smartphones, tablets, IoT devices, and portable wearable devices. IoT devices may include smart speakers, smart TVs, smart air conditioners, and smart car devices. Portable wearable devices may include smart watches, smart bracelets, and head-mounted devices. Server 104 may be implemented as a standalone server or a server cluster consisting of multiple servers.

[0053] In one embodiment, Figure 2 As shown, a business processing method is provided, which is applied to Figure 1 Taking the server 104 in the example as an example, the following steps are included:

[0054] Step S202: Receive a service processing request, where the service processing request carries user information and a first service product identifier.

[0055] Among them, the business processing request can be a request instruction sent by the terminal to the server after responding to the user's operation. Taking the fund trading platform as an example, the user can log in to the fund trading platform through the terminal. When the user submits a selling decision on the fund trading platform, the terminal can send a business processing request instruction to the server, wherein the business processing request carries user information and the first business product identifier. The user information can be used to distinguish different users, and the first business product identifier can be used to identify the product. Specifically, letters, numbers, and feature codes can be used as the first business product identifier, as long as different products can be distinguished.

[0056] Step S204: Obtain a user portrait, historical business behavior information, and current business status information corresponding to the user information, as well as product diagnostic information corresponding to the first business product identifier.

[0057] Among them, user portraits can be information used to identify user characteristics, such as what type of user they are, their preferences, etc. Historical business behavior information can refer to the user's historical behavior on the fund trading platform, such as products they have browsed, products they have paid attention to, etc. Current business status information can be used to represent the user's current business status information, such as the user's current holding income information, etc. Product diagnostic information refers to the recommended information after diagnosing each product.

[0058] Step S206: Determine whether the business processing risk exceeds a risk range based on the user portrait, the current business status information, the historical business behavior information, and the product diagnosis information.

[0059] In one embodiment, the business processing risk refers to the risk of this business processing. The risk range can be determined based on the "Investor Risk Tolerance Assessment Questionnaire" filled out by the user in the past. The risk range can be divided into at least five levels from low to high, namely: C1-conservative, C2-prudent, C3-sound, C4-active, C5-aggressive, among which conservative may refer to users who only support the purchase of low-risk products, cautious may refer to users who purchase medium-low risk and below products, sound may refer to users who purchase medium-risk and below products, active may refer to users who purchase medium-high risk and below products, and aggressive may refer to users who purchase high-risk and below products.

[0060] Step S208: If exceeded, determine the second service product identifier based on the service product browsing information.

[0061] The business product browsing information may refer to the user's browsing data, and the second business product identifier may be used to identify the business product type. When the business processing risk exceeds the risk range, the second business product identifier may be determined based on the user's browsing data.

[0062] Step S209: If it does not exceed the limit, output a prompt message suggesting the user to sell.

[0063] In one embodiment, the business processing risk can be matched with the risk range to determine whether the user's business processing risk exceeds the risk range. If the business processing risk does not exceed the risk range, a prompt message can be output to recommend the user to sell. The prompt message can be a text prompt message or a voice prompt message, as long as it can prompt the user.

[0064] Step S210: Outputting option information of not executing the service processing request and converting the service product corresponding to the first service product identifier into the service product corresponding to the second service product identifier.

[0065] Among them, when the risk range is exceeded, a prompt message indicating that the business processing request will not be executed can be output to the user, and the business product corresponding to the first business product identifier can be converted into the option information of the business product corresponding to the second business product identifier, wherein the option information can be determined by the product in the current valuation range that is underestimated in the business product browsing information.

[0066] In the above-mentioned business processing method, when a business processing request is received, the user portrait, historical business behavior information and current business status information corresponding to the user information, as well as the product diagnostic information corresponding to the first business product identifier are obtained based on the user information carried in the business request. Therefore, the business processing risk can be analyzed through the user portrait, historical business behavior information, current business status information and product diagnostic information, and when the business processing risk exceeds the risk range, the user is provided with option information, so that the accuracy of business processing can be improved through the above-mentioned method.

[0067] In one embodiment, determining whether the business processing risk exceeds the risk range based on the user portrait, the current business status information, the historical business behavior information and the product diagnostic information includes: determining whether the business risk level of the business processing request matches the user risk level of the user based on the user portrait and the current business status information; if they match, determining the purpose of the current business request based on the user portrait and the historical business behavior information, and matching the request type of the business processing request, the predetermined type product information in the product diagnostic information and the preset product transaction conditions; if they match, determining whether the business processing risk exceeds the risk range based on the product diagnostic information, the user portrait, and the historical business behavior information.

[0068] First, the user profile and current business status information can be analyzed to determine whether the business risk level of the business processing request matches the user's user risk level, that is, to determine whether the current business risk level matches the risk level the user can actually bear. If so, the purpose of the current business request is determined based on the user profile and historical business behavior information. The request type of the business processing request and the predetermined product type information in the product diagnostic information are then matched with the preset product transaction conditions. The request types of the business processing request may include: eager to cash out, wait-and-see, and purchase other products. The predetermined product type information may be information set for each product, such as price fluctuation alerts set for each product. The preset product transaction conditions refer to pre-set conditions that product transactions must meet, such as the user's expected rate of return. If the request type of the business processing request and the predetermined product type information in the product diagnostic information do not match the preset product transaction conditions, a prompt message can be output to continue holding, increase positions, or invest funds to purchase other products. Thus, the above method can determine whether the business processing risk exceeds the risk range.

[0069] In one embodiment, the user profile includes: user type, user preferences, user performance and user investment product characteristics; the current business status information includes: user holding return information; determining whether the business risk level of the business processing request matches the user risk level of the user based on the user profile and the current business status information includes: determining user subjective information and product indicator information based on the user type, user preferences, user performance, user investment product characteristics and the holding return information, the product indicator information includes the correlation between profitability and excess return, the correlation between risk resistance and tracking error, volatility, and the correlation between investment cost-effectiveness and Sharpe ratio, information ratio; based on the user subjective information and the product indicator information, determining whether the business risk level of the business processing request matches the user risk level of the user.

[0070] In one embodiment, the user profile includes: user type, user preferences, user performance, and user investment product characteristics. Specifically, user type may refer to the user's type of investor, user preferences may refer to the user's risk preference, user performance may refer to historical performance, and user investment product characteristics may refer to the user's historical investment product characteristics, such as large-cap / small-cap, single fund, etc. Based on the user type, user preferences, user performance, user investment product characteristics, and position return information, user subjective information and product indicator information can be determined, thereby determining whether the business risk level of the user's business processing request matches the user's user risk level. If the business risk level of the business processing request does not match the user's user risk level, a warning message indicating the risk level mismatch can be output to the user, allowing the user to take appropriate measures based on the warning message.

[0071] In one embodiment, the user portrait includes: user type, user preferences, user performance, and user investment product characteristics; the historical business behavior information includes: user historical income information, user historical action information, and user historical feedback information; determining the purpose of the current business request based on the user portrait and the historical business behavior information includes: analyzing the relationship between the user type, user preferences, user performance, user investment product characteristics, user historical income information, user historical action information, and user historical feedback information to determine the purpose of the current business request.

[0072] In one embodiment, user historical income information may refer to the user's historical income value, user historical action information may be obtained from the user's browsing information, search information, attention information, and whether other products have been purchased, etc. User historical feedback information refers to the user's satisfaction with the platform. By analyzing the relationship between user type, user preference, user performance, user investment product characteristics, user historical income information, user historical action information, and user historical feedback information, the purpose of the current business request can be determined.

[0073] In one embodiment, Figure 3 FIG. 1 is a flow chart of a business processing method in a specific embodiment:

[0074] This embodiment is described by taking the server processing the business processing request of the fund trading platform as an example. Figure 3 As shown, it includes a user end, an acquisition module A, a server, an acquisition module B and a decision module, wherein the acquisition module A can refer to the server end of the fund trading platform, which is used to output business processing requests to the server, and the acquisition module B and the decision module A can be data processing modules on the server.

[0075] The user can log in to the fund trading platform through the terminal. When the user submits a selling decision on the fund trading platform, the terminal can send a business processing request to the server through the acquisition module A. The business processing request carries user information and the first business product identifier. The user information can be used to distinguish each user. Letters, numbers, and feature codes can be used as user information, as long as different users can be distinguished. The first business product identifier can be used to identify the corresponding product when the user makes a selling decision.

[0076] After receiving a business processing request, the user profile, historical business behavior information, and current business status information corresponding to the user information, as well as product diagnostic information corresponding to the first business product identifier, can be obtained from acquisition module B. The obtained user profile, historical business behavior information, current business status information, and product diagnostic information corresponding to the first business product identifier are then output to decision module A for processing. The user profile includes user type, user preferences, user performance, and user investment product characteristics. Specifically, user type may refer to the type of investor the user is, user preferences may refer to the user's risk appetite, user performance may refer to historical performance, and user investment product characteristics may refer to the user's historical investment product characteristics, such as large-cap / small-cap, single fund, etc. Historical business behavior information may refer to the user's historical behavior on the fund trading platform, such as products viewed and products of interest, etc. Current business status information may be used to identify the user's current business status, such as the user's current holding income information.

[0077] Among them, first of all, the user portrait and current business status information can be analyzed to determine whether the business risk level of the business processing request matches the user's user risk level, that is, to determine whether the current business risk level matches the risk level that the user can actually bear.

[0078] If there is a match, the purpose of the current business request is determined based on the user profile and historical business behavior information. The request type of the business processing request and the predetermined product type information in the product diagnostic information are then matched with the preset product transaction conditions to determine whether the risk of the user's current business processing exceeds the risk range. The request types of business processing requests may include: eager to cash out, wait-and-see, and purchase other products. The predetermined product type information may be information set for each product, such as price fluctuation alerts set for each product. Preset product transaction conditions refer to pre-set conditions that must be met for product transactions, such as the user's expected rate of return.

[0079] If the business processing risk does not exceed the risk range, a prompt message can be output to recommend the user to sell. When it exceeds the risk range, a prompt message can be output to the user to not execute the business processing request, and the business product corresponding to the first business product identifier is converted into the option information of the business product corresponding to the second business product identifier, wherein the option information can be determined by the product that is undervalued in the current valuation range in the data information of the browsed product.

[0080] It should be understood that, although the various steps in the flowcharts involved in the various embodiments described above are displayed in sequence according to the instructions of the arrows, these steps are not necessarily executed in sequence in the order indicated by the arrows. Unless otherwise specified herein, there is no strict order restriction on the execution of these steps, and these steps can be executed in other orders. Moreover, at least a portion of the steps in the flowcharts involved in the various embodiments described above can include multiple steps or multiple stages, and these steps or stages are not necessarily executed and completed at the same time, but can be executed at different times, and the execution order of these steps or stages is not necessarily to be carried out in sequence, but can be executed in turn or alternately with other steps or at least a portion of steps or stages in other steps.

[0081] Based on the same inventive concept, embodiments of the present application also provide a service processing device for implementing the aforementioned service processing method. The solution provided by this device is similar to the solution described in the aforementioned method. Therefore, the specific limitations in one or more service processing device embodiments provided below can be found in the aforementioned limitations on the service processing method and will not be further elaborated here.

[0082] In one embodiment, Figure 4 As shown, a business processing device is provided, including: a business request receiving module 402, an information acquisition module 404, a risk range analysis module 406, a product identification determination module 408 and a prompt module 410, wherein:

[0083] The service request receiving module 402 is configured to receive a service processing request, where the service processing request carries user information and a first service product identifier.

[0084] The information acquisition module 404 is used to obtain the user portrait, historical business behavior information and current business status information corresponding to the user information, and product diagnosis information corresponding to the first business product identifier.

[0085] The risk range analysis module 406 is used to determine whether the business processing risk exceeds the risk range based on the user portrait, the current business status information, the historical business behavior information and the product diagnosis information.

[0086] The product identification determination module 408 is configured to determine a second business product identification based on the business product browsing information if the number exceeds the limit.

[0087] The prompt module 410 converts the business product corresponding to the product identifier into option information of the business product corresponding to the second business product identifier.

[0088] In one embodiment, the risk analysis module is used to determine whether the business risk level of the business processing request matches the user risk level of the user based on the user portrait and the current business status information; if they match, determine the purpose of the current business request based on the user portrait and the historical business behavior information, and match the request type of the business processing request, the predetermined type product information in the product diagnostic information and the preset product transaction conditions; if they match, determine whether the business processing risk exceeds the risk range based on the product diagnostic information, the user portrait, and the historical business behavior information.

[0089] In one embodiment, the risk analysis module is used to determine user subjective information and product indicator information based on the user type, user preferences, user performance, user investment product characteristics and the holding return information. The product indicator information includes the correlation between profitability and excess return, the correlation between risk resistance and tracking error, volatility, and the correlation between investment cost-effectiveness and Sharpe ratio, information ratio; based on the user subjective information and the product indicator information, determine whether the business risk level of the business processing request matches the user risk level of the user.

[0090] In one embodiment, the risk analysis module includes: a risk prompt module;

[0091] The risk prompt module is configured to output a risk level mismatch prompt message if the business risk level of the business processing request does not match the user risk level of the user.

[0092] In one embodiment, the risk analysis module is used to analyze the relationship between the user type, user preferences, user performance, user investment product characteristics, user historical income information, user historical action information and user historical feedback information to determine the purpose of the current business request.

[0093] In one embodiment, the risk analysis module is used to output a prompt message to continue holding, increase positions or invest funds to purchase other products if the request type of the business processing request and the predetermined type product information in the product diagnostic information do not match the preset product trading conditions.

[0094] In one embodiment, the prompt module is used to output a prompt message suggesting the user to sell if the business processing risk does not exceed the risk range.

[0095] Each module in the above-mentioned business processing device can be implemented in whole or in part through software, hardware, or a combination thereof. Each module can be embedded in or independent of the processor in the computer device in hardware form, or can be stored in the memory of the computer device in software form, so that the processor can call and execute the corresponding operations of each module.

[0096] In one embodiment, a computer device is provided. The computer device may be a server, and its internal structure diagram may be as follows: Figure 5 As shown. The computer device includes a processor, a memory, and a network interface connected via a system bus. The processor of the computer device is used to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system, a computer program, and a database. The internal memory provides an environment for the operation of the operating system and computer program in the non-volatile storage medium. The database of the computer device is used to store business processing data. The network interface of the computer device is used to communicate with an external terminal via a network connection. When the computer program is executed by the processor, it implements a business processing method.

[0097] In one embodiment, a computer device is provided. The computer device may be a terminal, and its internal structure diagram may be as follows: Figure 6 As shown. The computer device includes a processor, a memory, a communication interface, a display screen and an input device connected via a system bus. The processor of the computer device is used to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system and a computer program. The internal memory provides an environment for the operation of the operating system and the computer program in the non-volatile storage medium. The communication interface of the computer device is used to communicate with an external terminal in a wired or wireless manner, and the wireless manner can be achieved through WIFI, a mobile cellular network, NFC (near field communication) or other technologies. When the computer program is executed by the processor, a business processing method is implemented. The display screen of the computer device can be a liquid crystal display screen or an electronic ink display screen, and the input device of the computer device can be a touch layer covering the display screen, or a button, trackball or touchpad provided on the computer device housing, or an external keyboard, touchpad or mouse.

[0098] Those skilled in the art will understand that Figure 5 、 6The structure shown in the figure is only a block diagram of a part of the structure related to the solution of the present application, and does not constitute a limitation on the computer device to which the solution of the present application is applied. The specific computer device may include more or fewer components than shown in the figure, or combine certain components, or have a different component arrangement.

[0099] In one embodiment, a computer device is provided, including a memory and a processor. The memory stores a computer program, and the processor implements the steps of the above-mentioned business processing method when executing the computer program.

[0100] In one embodiment, a computer-readable storage medium is provided, on which a computer program is stored. When the computer program is executed by a processor, the steps of the above-mentioned business processing method are implemented.

[0101] In one embodiment, a computer program product is provided, including a computer program, which implements the steps of the above-mentioned business processing method when executed by a processor.

[0102] It should be noted that the user information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data used for analysis, stored data, displayed data, etc.) involved in this application are all information and data authorized by the user or fully authorized by all parties.

[0103] Those skilled in the art will appreciate that all or part of the processes in the above-mentioned embodiment methods can be implemented by instructing the relevant hardware through a computer program, and the computer program can be stored in a non-volatile computer-readable storage medium. When the computer program is executed, it can include the processes of the embodiments of the above-mentioned methods. Among them, any reference to memory, database or other media used in the embodiments provided in this application may include at least one of non-volatile and volatile memory. Non-volatile memory may include read-only memory (ROM), magnetic tape, floppy disk, flash memory, optical memory, high-density embedded non-volatile memory, resistive random access memory (ReRAM), magnetic random access memory (MRAM), ferroelectric random access memory (FRAM), phase change memory (PCM), graphene memory, etc. Volatile memory may include random access memory (RAM) or external cache memory, etc. By way of illustration and not limitation, RAM can be in various forms, such as static random access memory (SRAM) or dynamic random access memory (DRAM). The database involved in the various embodiments provided herein may include at least one of a relational database and a non-relational database. Non-relational databases may include, but are not limited to, distributed databases based on blockchains. The processor involved in the various embodiments provided herein may be, but are not limited to, a general-purpose processor, a central processing unit, a graphics processing unit, a digital signal processor, a programmable logic unit, a data processing logic unit based on quantum computing, and the like.

[0104] The technical features of the above embodiments can be combined arbitrarily. To make the description concise, not all possible combinations of the technical features in the above embodiments are described. However, as long as there is no contradiction in the combination of these technical features, they should be considered to be within the scope of this specification.

[0105] The above-described embodiments merely represent several implementation methods of the present application. While the descriptions are relatively specific and detailed, they should not be construed as limiting the scope of the present application. It should be noted that a person of ordinary skill in the art may make various modifications and improvements without departing from the spirit of the present application, and these modifications and improvements fall within the scope of protection of the present application. Therefore, the scope of protection of the present application shall be determined by the appended claims.

Claims

1. A business processing method, characterized in that: The method comprises: receiving a service processing request, the service processing request carrying user information and a first service product identifier; Obtaining a user profile, historical business behavior information, and current business status information corresponding to the user information, as well as product diagnostic information corresponding to the first business product identifier, wherein the user profile includes: user type, user preferences, user performance, and user investment product characteristics; and the current business status information includes: user holding income information; Determine user subjective information and product indicator information based on the user type, user preferences, user performance, user investment product characteristics, and the holding return information; if, based on the user subjective information and the product indicator information, it is determined that the business risk level of the business processing request matches the user risk level of the user, determine the purpose of the current business request based on the user profile and the historical business behavior information, and match the request type of the business processing request and the predetermined type of product information in the product diagnostic information with the preset product transaction conditions; if they match, determine whether the business processing risk exceeds the risk range based on the product diagnostic information, the user profile, and the historical business behavior information; the product indicator information includes the correlation between profitability and excess return, the correlation between risk resistance volatility and tracking error, the correlation between volatility, and the correlation between investment cost performance and Sharpe ratio, and the correlation between information ratio; If exceeded, the second business product identifier is determined based on the business product browsing information screening; Outputting option information for not executing the business processing request and converting the business product corresponding to the first business product identifier into the business product corresponding to the second business product identifier, wherein the option information is determined by products in the business product browsing information whose current valuation interval is underestimated.

2. The method according to claim 1, characterized in that Also includes: If the business risk level of the business processing request does not match the user risk level of the user, a prompt message indicating that the risk levels do not match is output.

3. The method according to claim 1, characterized in that The historical business behavior information includes: user historical revenue information, user historical action information and user historical feedback information; The determining the purpose of the current business request based on the user profile and the historical business behavior information includes: Analyze the relationship between the user type, user preferences, user performance, user investment product characteristics, user historical income information, user historical action information and user historical feedback information to determine the purpose of the current business request.

4. The method according to claim 1, wherein Also includes: If the request type of the business processing request, the predetermined type of product information in the product diagnosis information and the preset product transaction conditions do not match, a prompt message is output to continue holding, increase positions or invest funds to purchase other products.

5. The method according to any one of claims 1 to 4, characterized in that Also includes: If the business processing risk does not exceed the risk range, a prompt message is output to suggest the user to sell.

6. A business processing device, characterized in that: The device comprises: A service request receiving module, configured to receive a service processing request, wherein the service processing request carries user information and a first service product identifier; an information acquisition module, configured to acquire a user profile, historical business behavior information, and current business status information corresponding to the user information, and product diagnostic information corresponding to the first business product identifier, wherein the user profile includes user type, user preferences, user performance, and user investment product characteristics; and the current business status information includes user holding income information; a risk analysis module for determining user subjective information and product indicator information based on the user type, user preferences, user performance, user investment product characteristics, and the holding return information; and, if it is determined based on the user subjective information and the product indicator information that the business risk level of the business processing request matches the user risk level of the user, determining the purpose of the current business request based on the user profile and the historical business behavior information, and matching the request type of the business processing request and the predetermined type of product information in the product diagnostic information with preset product transaction conditions; and, if a match is found, determining whether the business processing risk exceeds a risk range based on the product diagnostic information, the user profile, and the historical business behavior information; the product indicator information includes a correlation between profitability and excess return, a correlation between risk resistance volatility and tracking error, a correlation between volatility, and a correlation between investment cost performance and Sharpe ratio, and a correlation between information ratio; A product identification determination module is used to determine a second business product identification based on the business product browsing information if the number exceeds the limit; The prompt module is used to output option information of not executing the business processing request and converting the business product from the business product corresponding to the first business product identifier to the business product corresponding to the second business product identifier, wherein the option information is determined by the product whose current valuation interval is underestimated in the business product browsing information.

7. The device according to claim 6, characterized in that The product indicator information includes the correlation between profitability and excess returns, the correlation between risk resistance and tracking error, the correlation between volatility, the correlation between investment cost performance and Sharpe ratio, and the correlation between information ratio.

8. The device according to claim 6, characterized in that The risk analysis module includes: a risk prompt module; The risk prompt module is configured to output a risk level mismatch prompt message if the business risk level of the business processing request does not match the user risk level of the user.

9. The device according to claim 6, characterized in that The risk analysis module is used to analyze the relationship between the user type, user preferences, user performance, user investment product characteristics, user historical income information, user historical action information and user historical feedback information to determine the purpose of the current business request.

10. The device according to claim 6, characterized in that The risk analysis module is used to output a prompt message for continuing to hold, increasing positions or investing funds to purchase other products if the request type of the business processing request, the predetermined type product information in the product diagnostic information and the preset product trading conditions do not match.

11. The device according to any one of claims 6 to 10, characterized in that The prompt module is used to output a prompt message suggesting the user to sell if the business processing risk does not exceed the risk range.

12. A computer device comprising a memory and a processor, wherein the memory stores a computer program, wherein: When the processor executes the computer program, the steps of the method according to any one of claims 1 to 5 are implemented.

13. A computer-readable storage medium having a computer program stored thereon, characterized in that: When the computer program is executed by a processor, the steps of the method according to any one of claims 1 to 5 are implemented.

14. A computer program product comprising a computer program, characterized in that When the computer program is executed by a processor, the steps of the method according to any one of claims 1 to 5 are implemented.

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